Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using Medallion Signature Locator ("the Service," "the Site," or "we"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, you must immediately discontinue your use of the Site.

2. Directory Purpose & Independent Operation

Medallion Signature Locator operates as an independent public research database indexing commercial bank branches, credit unions, and regulatory requirements associated with statutory Medallion Signature Guarantees under Securities and Exchange Commission (SEC) Rule 17Ad-15 and Uniform Commercial Code (UCC) § 8-306.

We do not issue Medallion stamps, certify signatures, review securities forms, or process stock transfers. We do not maintain individual consumer banking accounts or represent any financial institution.

3. Trademark Fair Use & Institutional Disclaimers

All trademarks, service marks, trade names, logos, and brand designations displayed on this website—including but not limited to Bank of America, Wells Fargo, JPMorgan Chase, Citibank, U.S. Bank, PNC Bank, Navy Federal Credit Union, Computershare, Equiniti (EQ), Broadridge, STAMP, SEMP, and MSP—are the property of their respective trademark holders.

Their appearance on this website is for nominative descriptive and educational purposes only. The use of these trademarks does not imply any affiliation with, endorsement by, or sponsorship from any financial institution, regulatory body, or transfer agency. Medallion Signature Locator is not sponsored, endorsed, or operated by the SEC, FDIC, NCUA, or Securities Transfer Association (STA).

4. Accuracy of Data & No Warranty of Stamp Issuance

Branch listings, officer presence notes, surety bond thresholds (Prefixes A through F), and bank tenure policies (such as the 6-month account seasoning rule) are compiled from publicly available regulatory filings (FDIC BankFind, NCUA Call Reports), institutional policy manuals, and branch audits.

While we make reasonable efforts to maintain accurate and updated information, financial institutions frequently alter branch staffing, transfer certifying officers, update surety caps, or modify seasoning criteria without public notice. We do not warrant or guarantee:

• That any specific branch or officer listed in our directory will provide a guarantee.
• That a branch will have an authorized officer physically on duty at the time of your visit.
• That your securities transfer packet will be accepted by your transfer agent.
• That branch address, telephone, or appointment links are error-free or uninterrupted.

Mandatory Verification Step: You are strictly advised to telephone the specific branch manager in advance to confirm certifying officer availability, required documentation, and applicable surety limits before traveling.

5. Intellectual Property & Prohibited Uses

All proprietary text, editorial guides, research analyses, interactive eligibility calculators, site layouts, code, and graphical elements on this website are protected by United States and international copyright and intellectual property laws.

You may view, download, and print individual pages for personal, non-commercial educational use. You agree not to:

• Use automated spiders, scrapers, data miners, or bots to harvest branch directory records for commercial databases.
• Reproduce, duplicate, republish, or resell proprietary editorial text or database schemas without prior written consent.
• Attempt to compromise site security, introduce malware, or bypass access controls.
• Falsely imply an endorsement, partnership, or sponsorship with Medallion Signature Locator.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MEDALLION SIGNATURE LOCATOR, ITS OPERATORS, AUTHORS, AFFILIATES, OFFICERS, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO:

• Damages for lost profits, lost investment returns, or financial depreciation of securities.
• Delays in securities transfers, stock liquidations, or estate probate proceedings.
• Travel costs, missed appointments, or fees incurred at physical branch locations or third-party online portals.
• Rejections or document returns by transfer agents, brokerages, or corporate issuers.
• Any errors, omissions, or inaccuracies in directory listings or educational articles.

THIS SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

7. Indemnification

You agree to defend, indemnify, and hold harmless Medallion Signature Locator, its contributors, and operators against any claims, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from your violation of these Terms, your misuse of the Site, or your reliance on any directory materials in dispute with financial institutions or transfer agents.

8. Governing Law & Severability

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Delaware and the federal laws of the United States, without regard to conflict of law principles.

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

9. Inquiries & Legal Notices

For questions regarding these Terms & Conditions or to report directory data discrepancies, contact our legal and editorial compliance team: